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3 Delivering Universal Commerce through Smart Card Technology nEnsuring customer service quality through global chip standards EMV, CEPS and GlobalPlatform nEstablishing baseline infrastructure by implementing Visa Smart Debit/Credit in national markets Support Debit/Credit chip migration to reduce fraud nEnabling development and support of value-added services that drive payment volume and help Members take advantage of business opportunities

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5 The Challenge and the Goal Meet the needs of everyone; Issuer, merchant and cardholder… Credit or Debit Payment Card Management Merchant Loyalty Program Development Loyalty Program Management Card- holder Merchant Selection Personal Information Management The approach must enable Issuers to strengthen the relationship with their customers by delivering valuable utility at the lowest level of effort. Issuer

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6 Driving Support for Multi-Application Smart Cards nEstablishing GlobalPlatform as the preferred multi-application platform for Visa Members nLeveraging GlobalPlatform Java Card technology in the marketplace nFurthering strategic partnerships to improve the business case and speed implementations through Visa Global Smart Partner Program –Cost-effective GlobalPlatform cards and support systems –Each region working with value added service vendors for local market needs nSetting standards with industry organizations (e.g. IATA)